Home Credit Slovakia a s v Bíróová

Subject Matter

FAIR TRADING — Consumer credit — Agreement — Requirement that credit agreement be drawn up on durable medium and include certain information — Whether agreement must also be signed — Whether permissible for requisite information to be included in separate document cross-referenced in credit agreement — Whether specific dates on which repayments to be made part of requisite information — Whether requirement that agreement state in amortisation table part of repayment instalment allocated to repayment of capital — Penalty under national law for failure to provide information — Parliament and Council Directive 2008/48/EC, arts 3(m), 10(1)(2), 23

(Case C-42/15); EU:C:2016:842; [2017] Bus LR 573; [2016] WLR (D) 586, ECJ